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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $16,132 | $77,574-79.2% | $108,753-85.2% | $86,983-81.5% |
| Participation rate | 60.6% | 62.3%-1.7pp | 71.1%-10.5pp | 69.5%-8.9pp |
| Annual return | 12.63% | 18.42%-5.8pp | 37.47%-24.8pp | 25.83%-13.2pp |
| Employer contribution / active EE | $716 | $1,611-55.5% | $2,427-70.5% | $2,584-72.3% |
| Participant deferral / active EE | $1,454 | $3,128-53.5% | $4,115-64.7% | $4,194-65.3% |
| Admin fee / account holder | $1,759 | $6,529-73.1% | $10,320-83.0% | $7,856-77.6% |